Mossy Cove
Homes for Sale in Navarre, FL
All 118 homes for sale in Navarre, FL · median $494,900 · 100 homes for sale in 32566 · Santa Rosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Truman Alex, Levin Rinke Realty · via Pensacola MLS
As of September 2026, Mossy Cove in Navarre, FL has 1 home for sale. Homes listed or recently sold were built 1985–2025 with 1 new construction; 3 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft).
| Location | Navarre, Santa Rosa County, FL · ZIP 32566 |
|---|---|
| Homes in the community | 64 (FL DOR 2025 assessment roll) |
| Years built | 1981–2023 (median 1997.0) |
| Typical living area | 2,442 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $630,000 · 6.0 months of supply |
| Owner-occupied (homestead) share | 82% |
Data as of September 20, 2026. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Mossy Cove key facts,” movewithmomentum.com/neighborhoods/mossy-cove, data as of September 20, 2026.
Price in Mossy Cove is driven by the house, not the address. These are homes built between 1981 and 2009, with the median around 1995, and at a median of roughly 2,702 square feet there is real room here. Condition and updates will set the number: a renovated interior and a maintained roof and systems will separate one closing from the next far more than any list price signal, because the median year built means most homes have had time to age into either careful upkeep or deferred work.
The market read is genuinely balanced — about 6 months of supply with a single active listing right now. That thinness cuts both ways. A seller has little visible competition, but with only two closings in the recent window, pricing has to lean on the home's own condition rather than a deep comp set. A buyer should not expect a bidding war, but should expect to move deliberately when the right house appears, since inventory can go from one to zero quickly.
Mossy Cove right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Pensacola MLS records, as of September 20, 2026. Confidence: Low (1 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Mossy Cove is a small, established pocket of 37 homes in Navarre, Santa Rosa County, where most owners hold homestead status — a signal of a stable, owner-occupied street rather than a rental-heavy one.
Pensacola MLS sales records identify 20 homes in Mossy Cove that have changed hands since 2010, built between 1981 and 2001 (median 1992), with a median living area of about 2,160 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Pensacola MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 15 qualified sales in Mossy Cove across 2024–2025 (11 in 2024, 4 in 2025), median $460,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Mossy Cove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Mossy CovePhotos from Pensacola MLS listings in Mossy Cove; content deemed reliable but not guaranteed.
Who Mossy Cove is best for.
Best for
- Buyers seeking a larger, established home who plan to stay put for years
- Owner-occupants who value a low-turnover, homestead-heavy street
- Buyers willing to weigh condition and updates carefully rather than chase a list price
Probably not for
- Buyers who need built-in amenities like a pool, gate, or clubhouse
- Anyone wanting new construction or a maintenance-free newer build
- Investors chasing quick volume or a deep set of recent comps to model against
The market around Mossy Cove
Mossy Cove is too small for its own price trend, so here is the market around it.
In ZIP 32566, 214 homes are on the market and 33% are under contract — a fast-moving corner of Navarre.
Across Santa Rosa County, 999 homes are active and 512 pending (34% under contract).
In ZIP 32566 (Navarre), 261 homes closed in the last 12 months at a median of $397K ($223/sq ft), down 3.5% year over year, with a median 39 days on market. Right now 64 active and 43 pending listings put supply at about 4.0 months — a healthy market. See the live ZIP 32566 housing market and the Santa Rosa County market.
ZIP and county figures describe the wider market, not Mossy Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Mossy Cove, Navarre
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Mossy Cove
Live MLS inventory for Mossy Cove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Mossy Cove listings as of 2026-09-26, priced high to low. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Tap any home to ask about it.
Every Home for Sale in Mossy Cove Right Now (1)
All 1 active and pending Mossy Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2904 Sandpiper Cv · $630,000 · 4 bd / 3 ba · listed Jun 27, 2026 · listed by Levin Rinke Realty
Mossy Cove on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Pensacola MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Santa Rosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- West Navarre · Elementary
- WOODLAWN BEACH · Middle
- Navarre · High
Zoned schools reflect the assignments reported on recent Mossy Cove listings and can change; always confirm with Santa Rosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Mossy Cove address.
Shop the zone: Homes zoned for Navarre High School
The Mossy Cove buying strategy.
If we were buying in Mossy Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Mossy Cove.
A small, settled enclave
With 37 homes and a homestead share just above 62 percent, Mossy Cove reads as a place people stay. That stability is the story: turnover is low, which is why only a couple of homes have closed in the recent window and why a single listing can represent the entire active market at any given moment.
There are no community amenities identified from current MLS listings, so buy this neighborhood for the homes and the location, not for a pool or gate. The generous median footprint of about 2,702 square feet and the older, varied build years mean the meaningful differences between properties are lot, layout, and how well each home has been kept.
The location and the amenities are priced into every listing in Mossy Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 37-home community with one active listing and a thin recent trade history, generic pricing tools fall apart — there simply is not enough volume to lean on. We price and evaluate Mossy Cove home by home, weighing condition, systems age, and lot against the limited comps that exist, so buyers and sellers act on the specifics rather than a broad market guess.
Mossy Cove in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Mossy Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Mossy Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mossy Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mossy Cove home worth?
Get a no-obligation home value based on real comparable sales in Mossy Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Navarre →
31% of homes for sale in ZIP 32566 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-27).
Mossy Cove Market Scorecard
Mossy Cove is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $630,000, and homes go under contract in about 517 days.
Typical home value in the 32566 ZIP is $416,780, about 15.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Mossy Cove a buyer's or seller's market right now?
How many homes are in Mossy Cove?
What share of Mossy Cove is owner-occupied?
When were the homes in Mossy Cove built?
Who is the best real estate agent for Mossy Cove?
How do I find a top Navarre real estate agent who knows Mossy Cove?
Can Momentum Realty connect me with an agent for Mossy Cove?
Where is Mossy Cove, and what county is it in?
Should you buy in Mossy Cove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32566)) |
| Under-contract shares | Pensacola MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (26 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Pensacola MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Pensacola MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Mossy Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
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